So for the first time ever I have had to make a claim under the Home Insurance policy we have due to water flooding our bathroom from the shower cubicle area. We didn't know what was causing it but having read the policy it said Trace and Access was covered up to 5k. Great I thought, lets get a plumber in to locate cause and fix it. When calling to advise of this and log a claim I was advised this is not covered for leaks as a result of pipework. I explained we didn't yet know where the leak was originating from. However, I got the plumber round as still needed this sorting. He confirmed no its not the pipes leaking. Called Lloyds back and advised its not the pipes can I now make a claim. They called the plumber who advised no its not the pipes, might be the grouting or the sealant although all looks to be in tact. Won't know until I take the tile off to see whats going on behind in that area. Lloyds response: Still can't claim. We don't cover leaks as a result of poor grouting or sealing!!
So what exactly does get covered then because presently I have water flooding my bathroom everytime the shower is turned on and I am now going to have to pay for this to be traced fixed and then everything put back together again!! What is the point of my policy?! I guess I could always wait for a storm to blow part of the roof off - maybe then it would have a use! Not happy at all, wishing I had read these reviews before I took the policy out.
Reviewed on: 27th July 2021
